2,143 reviews
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On Easter Saturday morning I went outside and saw that my car which is parked in the street in front of our house had had its front driver and passenger windows smashed. I immediately rang AAMI and it became a saga. Firstly, they couldn't find my policy even though I was able to provide all necessary details. After a long while they worked out… Read more
that there had been an error in one of their digits of my registration. More time elapsed. Another call. Eventually I was referred to their agent for glass repairs. After another frustrating wait on the phone this agent, O'Brien Glass, informed me that they didn't have the necessary glass panels in stock ( not an unusual car- Toyota Yaris Cross) and their warehouse wouldn't be open till Tuesday after Easter. When would they be able to fix my windows? Couldn't say until after Easter. So we were left with no choice but to contact another glass repairer who came out that afternoon and we were able to set off on our Easter break- $1500 poorer. So much for AAMI service and support!!!!
Again hopeless at processing claims – Our car was damaged in the recent Sydney hailstorm. We called after the Christmas rush in early January and were told the repairer would contact us within 72 hours. No call 2 weeks later. Complaints made via their email hotline remain unanswered. We will be switching insurers based on this and other experiences making claims. Show details
just took out a comprehensive car policy to commence on 10th February 2026. AMMI charged my credit card on 8th January 2026 ! Nice work if you can get it ! I am glad i didnt take the policy out a year before it was due, Show details
Reviews with attachments
People seem to only use this platform to leave bad reviews. I'm happy to break the stigma. AAMI offered me a competitive comprehensive insurance on my expensive car. Cost? low. Value? agreed value at almost twice the market rate. Done deal. I had ONE CLAIM not at fault. It was a freaking breeze. Within one day I was deemed not at fault with… Read more
my evidence provided and given the "all-clear" to proceed with repairs. Car repaired immaculately within 1 week, free car hire, identical to new condition with fantastic repairers that I trusted.
My renewal was coming very shortly after that claim and I was genuinely terrified. If my original cost was $3000 a year, get a new quote today and it's $5400 My renewal was only $3400 for an identical market value agreement.
I'm shocked and very thankful. AAMI has my trust and recommendation for the while.
Goodf experience – Had some damage on the Territory because the farm gate moved. Put in a claim and it was all done to great satisfaction. The panel beaters Barry James in Ballarat did a very good job.. Show details
- +1
brilliant customer service, repairer of choice, fast repairs – A Nissan Hilux dual cab ute was signalling to turn right but then pulled out across traffic to instead go straight ahead. Unfortunately my daughter was in that lane at the time that the ute decided to take the side out of her car. Like a martini she was shaken and not stirred. She called me immediately as it was her first ever accident in over 12… Read more
years of driving. She managed to exchange licence details and got the car home. That night I put in an insurance claim on her behalf submitting several photos online with the claim. AAMI rang me the next day as she did not give rego details. So we went to home of person to find they don't live there - false address. So off to the police station with licence details to get rego. Police did not care that address was false which by law in itself is a criminal offence. Eventually got rego details from police. Even though she had licence details AAMI said that without rego she would of had to pay a $3000 excess. Contacted AAMI and they arranged immediately for repairer to assess damage. A few days later car was assessed and the next day AAMI approved repairs. Work was completed a week later with the whole side of the car being resprayed and a mag wheel (factory) replaced along with a rear tyre. Cost of repair $5,500 ( paid by other driver).
Claim – I have not made a claim in decades, did not know what to expect after the accident. The process with AAMI was very easy. In a world where things are often a chore the online submission and then support call were all simple, quick & informative. Its moments like these you're happy to have paid the premium. Regarding the premium, I shop around each year, AAMI's price was the best I could find. Show details
Do not waste your money with AAMI. You’re required to use their repairer—and they are absolutely the worst. My car is brand new (only 4 months old) and was hit from behind. It needed a bumper replacement and respray. When I went to collect it, the finish was terrible—textured, uneven, and didn’t match the rest of the car at all. I have called… Read more
AAMI four times over the past two days. Each time, I’ve been told an assessor will call me back—yet I’m still waiting. Communication has been extremely frustrating, and it’s nearly impossible to get a clear, helpful response. from their international call centre.
They’re quick to take your money, but when it comes to support, you’re left chasing them.
They advertise a lifetime guarantee on repairs, yet they can’t even get the first repair right or return a phone call.
I’ll now need to consider legal advice to resolve this.
STAY AWAY.
My sister owns a 2006 Toyota corolla hatchback...one of the most popular cars in the world. The AAMI system incorrectly identifies her registration as a station wagon. It is not. All other insurance companies we quoted a new policy with identify it correctly. My sister spent an hour on the phone today to sort this out, to eventually be told… Read more
(after he referred to the support team twice), that it should be ok..they'll just make a note on the policy that it's a hatchback.
There are thousands of this model in Australia. I'd suggest AAMI correct the issue at their end before putting a bandaid on it. Can only imagine what would happen at claim time when the wrong body type is brought up.
Completely disgusting "service". My sister is struggling at the moment and did not need this rubbish. They lost our business for good.
Do better
Just received my policy for next year 25/26, for the same value insured an increase of $334.49 on the cost. OUTRAGEOUS. Show details
- +6
On 26th of June I called up the AAMI claims team and stated that that the repairs made to my car after my accident some repairs was overlooked and that I had moved interstate from Queensland to Victoria changed my address to my current one in Victoria however the car was still in Queensland they advise me that once I had moved and settled in… Read more
Victoria, I should call them back up and inform them of my car’s arrival and location, when I did that on the 10th of July I had to advise them everything that I just stated above all over again, however I noticed more issues with my car like one major fact that the motor the front end of the car violently shakes when taking off in first gear especially when you’re going up at a hill! The AAMI claims team said that they were going to get the repairer to call me within that week to assess the car once more so I called the next day 11th July for the hire car unfortunately the week came no one called. On the 23rd July! I’ve got a phone call from the repairers from Queensland who partially repaired my car asking me if I can bring my car back in “my mind blown!” realising what had happened again was that every time I rang up it was like there was no notes left on my account and each time I rang up they asked me why I was calling for and had no current details and information that I have given them prior, so I called up again asking why the repair is from Brisbane is calling to repair my car when it should be someone from Melbourne and that the hire cars day was coming to an end they said to me that they had to escalate it to the higher claims department assessment team and someone will be calling me within that week. Unfortunately! Nobody called. I returned the hire car a day late only because I was sick and tired of getting messages from them that I had to return it to them and that they were going to charge me each day unless I returned it so I called again on 24th of July and told him that the day of the car hire was in couple of days and I got messages from the Hertz car hire company to return it. They said that they could not extend the day and that was the job for the assessment team from the claims department. Just sit tight and wait for the call and that it would happen in the next couple of days once again, no one called. I returned the car a day late. They charge me nearly $80 extra on my card. Today I called AAMI claims team department and ask them what is going on to my claim and they had no information about anything other than how I made a declaration that there was other repairs that needed to be corrected that’s it!.. I frustratingly explained everything all over again and the consultant [Name Removed] from the claims department said that she was going to call the hire claims assessment department on the other line and explain everything and transfer me over however after 20 minutes of hold they disconnected the phone and within 30 seconds later. I’ve got a call from that department but they hung up after it rang two times and then the second time they rang again same number but it only rang one time and they hung up again I tried to answer it before the second ring but it hung up before I can answer it. I called up the claims department again after one minute another person answered from the claims department and she once again asked me everything all over again I told her I just hung up the phone a minute ago how I was on the phone for 40 minutes and putting me on hold for 20 minutes she came back and said that [Name Removed] had made some of this statements I made however still didn’t have my current address right! Didn’t even know which state I was living or calling from but she said to wait for the phone call from the claims assessment team after explaining to her about my situation with no car to drive around because I was told on the 10th of July not to drive it because it might be dangerous to organise a higher car! She placed herself on mute and just did not answer any of my questions or any of my response so I disconnected the phone call after a minute. I don’t know what to do or who to turn to if there’s anyone out there they can help me please. I would deeply appreciate and be forever in your debt. Thank you Best Highest Regards
Latest follow-ups
Scum of the earth, 20 years of comprehensive insurance without a claim, the first claim I Maek gets thrown back in my face without investigation or reason find any other insurance company but AAMI they are scum and scammers Show details
Follow-up · Your scum, over 20 years without a clame and I’m treated like a criminal! This is why you scum don’t have walk in offices anymore because all of you centers would be on fire! Enjoy the utube videos that will hopefully mess with your bottom line the same way it messed with mine! I hope you scum go broke!
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With AAMI more than 20 yrs , but getting worse and worse, especially customers service hotline staff… hard to understand what they talking about with poor English ( Indian English…..) and the AAMI contractors ( repair contractors) almost out of control with finish work timelines… looking for some other insurance companies to replace AAMI now Show details
Follow-up · 1)Hard to communicate with customer services staffs in Philippine and India… customer service staffs lack of basic training and knowledge…. 2) quality issues after repairs ( colour mismatched , damaged other parts during repair, missing parts after repair, ….) 3)call and emailed many times for request re-inspection regarding repairs quality… Read more
Called AAMI twice today but each time the AAMI rep could not hear me yet knew the line was open. Eventually she asked me to call again so I did, this time to Youi who set up a new policy for me. Have never had good experiences with AAMI (despite… Read more
never lodging a claim) so have gradually moved all four of my policies away to others. Goodbye, AAMI. They had one policy for 20 years, without a claim. Their loss, not mine. There is strong competition out there, Youi and NRMA much better than AAMI in my view.
Follow-up · I got much better service from Youi and NRMA so have allowed my policies with AAMI to expire and opened elsewhere. My experience is that AAMI spend a lot on TV advertising, little on customer service, but you make up your own mind.
AAMI gets many complaints
Positive reviews
Fantastic customer service with AAMI. I had another driver reverse into my car and had an amazing representative, Deonie, help me lodge my claim and answer all my questions. I was able to take my car to Motor One for repairs (if you get the option, avoid Capital SMART Repairs). Motor One were amazing and had my car repaired perfectly and sent… Read more
plenty of text communication to let me know what stage of the repair was being undertaken. A Hertz rental car was supplied for the duration of the repair and taxis were provided between the repair centre and the hire company. No complaints at all. (caveat - the claim was not my fault so I'm not sure if you'll get the same services if the accident is your fault).
I was involved in a four‑car collision on 5 February 2026, and my experience with AAMI was exceptionally good. The staff at the office were very kind and sympathetic, and I truly appreciated the level of care I received at a moment when I was nervous and scared. Their support was exactly what I hoped for from my car insurance. However, my only… Read more
disappointment is with the repair centre AAMI sent my car to—Drive Autobody Silverwater. When I picked up my vehicle on 19 March 2026, after more than five weeks, the car was dirty, messy, and clearly not cleaned inside or outside. After everything I went through, it was extremely disappointing to see my car returned in that condition. I would probably have given AAMI five stars, but because of this part of the experience, I will be giving four stars instead. AAMI themselves were excellent, but the repair centre did not meet the standard I expected.
My wife and I have had both our cars insured with AAMI Comprehensive Insurance for many years. The reason is that the cost is comparable with other GOOD Insurers and any time we have had to make a claim, the AAMI staff have pulled out all stops to make the claim process as seamless as possible. Their attention to detail is phenomenal from when you… Read more
first drop off the car to when you pick it up after repairs. I have friends who have used other Insurers and had problems but we have had none. Everybody I know, who are insured with AAMI all are happy with their level of service.
Negative reviews
I've been a loyal customer of AAMI for years, always paying on time and never making a claim. Yet every single year they put the premium up and lower the insured value. Over time it's gotten to the point where the price just doesn't justify the cover anymore. When I brought this up with customer service I was completely ignored and they offered… Read more
no apology or explanation. That said it all really. To AAMI I'm just another dollar sign, and I'm done with them.
Awful experience with them. A cyclist hit my car while running a red light. AAMI customer service told me that because the other party did not have rego, I would still need to pay for the excess and it would obviously increase my premium for the next 5 years! Show details
Can't even sign in to my account after trying for days , they never send a code to your mobile to help you sign in and they keep on increasing the prices on your insurance Show details
Recent reviews
The customer service is one of the worst I have experienced, either no reply or incorrect information, the assessor cutting the quote on minor repairs to a $75K car, I went to AAMI from RACV as they were even worse, the international call centre has no idea saying claim was not processed, then approved then not processed again, every time the… Read more
information was wrong, I have requested information and have been ignored, then called the number provided when asked to provide more information to hang up after an hour of being on hold. another premium service now not providing service in the pursuit of more profits, such a shame, I would suggest considering alternatives.
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I will never take out car insurance with AAMI again. After more than a decade of loyalty—during which I have never made a claim and have maintained an excellent driving record—my renewal premium has continued to rise each year, even as my car depreciates and the insured value decreases. This year, AAMI quoted me almost $1,300. To understand… Read more
whether this was reasonable, I obtained comparison quotes online using the exact same details but with different Melbourne suburbs. Every single quote came back at nearly half the price. When I questioned AAMI about this discrepancy and asked for data to justify their claim that my suburb is considered “risky,” the supervisor, [Name Removed], responded with a cold and dismissive attitude. She stated that AAMI is under no obligation to provide any evidence and showed no willingness to be transparent. Her rigidity and lack of professionalism made it clear that customer loyalty meant nothing. The message was essentially: accept the price or go elsewhere. After reviewing Suncorp’s own report—which does not list my suburb as a high‑risk or high‑claim area—I have completely lost trust in this company. I am genuinely disgusted by the treatment I received and will never do business with AAMI again.
AAMI sent me a quote, ridiculous increase of 23%, for a car value $14,000, down $2000 from the previous year. I asked for a quote on third party fire and theft, he said I cannot send you two quotes, one for comprehensive and one for 3rd party fire and theft. Why not I asked, because I cannot. HOW STUPID IS THAT, they are two different policies and… Read more
I want to see what my options are. Oh and by the way understanding the person was difficult, I suspect they were from the Phillipenes. I have had made no claims, I have not had an accident in 25 years, I have no demerit points.
AAMI advert shows smiling woman ready to help. Actually it's a >15 minute wait to a Phillipino call centre for a woman who can't answer a SIMPLE question so she goes to find out the answer. A ridiculously loud, annoying waiting music comes on and she comes back with "The person to talk to is on the other line". Lift your game. Show details
Scumbags. We didn't have roadside assistance on our policy (our fault). My pregnant wife was a long way from home and needed help. I called AAMI to add roadside assistance to the policy and get her help. They refused. They were very happy for my pregnant wife and unborn baby to risk their lives on the road. Show details
Save your honor, reputation or prestige. They do everything to dishonor and put blame on you and threaten. Worst experience with your policies, it a punishment to buy insurance with you as, you have to only choose worst car repairer of their choice - Capital Smart Repairers who closes at 4pm where all the repairer normally close 5pm and are the… Read more
biggest liars. No one told us or gave any written instructions about car drop policy.
Worst customer services from Ben Santos 271343.
AMMI want to use online more, but their system is broken most of time.
Last time have to wait for more 30min to talk to someone, what if there is any urgent query in case of accident.
For sure, it will be last time will be buying your services and will definitely not recommend to anyone known. Also don’t do anything about this review and keep it as you are working so, Suncorp Company rethink of why they have to pay you.
Don’t how they have 4.3 fake star.
If you go to truspilot or Product review, you will see the genuine value
Horrible and faceless company! We are one of the contractors of a building site in kew. It seems the builders temp fence damaged their clients car due to the wind. They were not able to find builders contact details then took our number on the fence and alleged our liability for the damage. Only knew this story after calling them as they sent us… Read more
ridiculous letter of demand without any verification and basis. Very shocked they would pursue such case to an unrelated party, the worse case is they kept chasing us even after we told them to stop. This proves to me it must their company policy and for this im giving them a 0 star review!
Car was torched on the street parked. AAMI did not acknowledge claim . It just ignored after online lodging and then ringing in. Put on hold and no answer. [Content Removed] DON'T SUPPORT AAI LIMITED the Suncorp group which owns many brands. Goggle search it's companies Show details
I've been with Aami for 15 year's I had a car accident on mid Oct someone reserve their car & hit on my driver side. - Excessively slow assessment: Took over 3 weeks to confirm total loss status, with no proactive updates. - Poor communication: Multiple follow-up calls required; repeated transfers and need to re-share details. - Unfair… Read more
low settlement: Offer well below market value and outstanding finance amount; adjuster dismissed evidence of comparable prices with no clear explanation. - Uninformed staff from overseas : Customer service team lacked knowledge of total loss processes and couldn’t answer basic questions. total loss team was rude. Overall, the experience was stressful, unprofessional and lacking transparency. Will not renew policy and cannot recommend AAMI for comprehensive car insurance.
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EDIT - The repairer tried to fix this issue with the paint. When removing the bumper again they… Read more